Cash advance is our answer to extortionate overdraft fees and the scary-expensive world of payday loans. It’s part of Cleo Plus and Cleo Builder, our subscription services.

Depending on your subscription and eligibility, Cleo can give you a no-interest advance of up to $100 to help you stay out of your overdraft. You pick your repayment date (anywhere between 3 and 14 days) and pay Cleo back that day using the app.

And no, this won’t affect your credit score.